United Club℠ Infinite Card review
Why you can trust Bankrate
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
- Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
- Consistently provide up-to-date, reliable market information so you\'re well-equipped to make confident decisions.
- Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How We Make Money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states were it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
United Club Infinite Card Overview
Frequent travelers loyal to United Airlines should consider the United Club Infinite Card from Chase because of the card’s premium travel perks. However, the Club Infinite card steep $525 annual fee might be tough to swallow for rewards-savvy and budget-conscious cardholders alike. Still, some travelers might eke enough value out of this card to make the annual fee worth it.
What are the advantages and disadvantages?
- No 0 percent intro APR offer on purchases or balance transfers
- $525 annual fee
- Requires very good to excellent credit to qualify
A deeper look into the new current card offer
- Rewards rate: 4x miles on United Airlines purchases, 2x miles on all other travel purchases, dining and eligible delivery services and 1x miles on all other purchases
- Welcome offer: 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening
- Annual fee: $525
- Purchase intro APR: None
- Balance transfer Intro APR: None
- Regular APR: 16.49 percent to 23.49 percent variable
Current welcome offer
New card holders can earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. This is a generous increase from the card’s previous 75,000 bonus mile offer for a slightly higher spending requirement in the first 3 months.
The United Club Infinite Card is an airline rewards credit card that earns miles you can redeem through the United MileagePlus program for things like travel, dining, entertainment, gift cards and more. Your points don’t expire as long as your account remains open.
You’ll earn 4x miles for all United Airlines travel purchases, including baggage fees, ticket upgrades, in-flight meals, Wi-Fi and any other United purchases. You’ll also earn 2x miles on non-United travel purchases and on dining and eligible food delivery services. All other purchases will earn 1x miles.
There are no caps to the number of miles you can earn.
You can redeem your earned miles through the United MileagePlus program. To get the most value out of your miles, redeem them for flights on United or with one of its Star Alliance airline partners. You can also redeem miles for other things like gift cards, shopping, dining and MileagePlus experiences, but point values will vary.
How much are miles worth?
United miles are typically worth 1.3 cents or more when redeemed for travel and less when used for non-travel expenses. When using your United miles to book flights, the MileagePlus program has two types of awards:
- Saver Awards are your best bet to get the full-redemption value of your miles, but flights are capacity controlled and sometimes harder to book.
- Everyday Awards tend to have more flights available, but it’ll cost you more miles to book.
You can also redeem miles for hotels, car rentals, cruises or in-flight amenities, along with or non-travel items like merchandise, gift cards, magazine subscriptions or exclusive MileagePlus experiences. However, you won’t get as much value out of your miles with this option.
With the United Club Infinite Card, not only do you get elite United Airlines travel benefits, but you also get Chase credit card and Visa Infinite premium cardholder perks as well.
United Club Membership
You‘ll automatically get United Club membership as long as you’re a cardholder. This gets you and eligible travel companions access into all United Club and Star Alliance affiliated airport lounge locations worldwide.
Without the card, United Club membership costs $650 a year.
Get priority check-in, priority boarding and baggage handling privileges for you and your travel companions at airports where United Premier Access is available.
Global Entry or TSA PreCheck credit
When you pay for a Global Entry or TSA PreCheck application fee with your United Club Infinite Card, you’ll get a statement credit for up to $100 to cover the cost (available every four years).
25% back on United in-flight purchases
You’ll receive 25 percent back in statement credits for all in-flight purchases spent on United-operated flights when you pay with your Club Infinite Card.
Free checked bags
As the primary cardholder, you and one travel companion on the same reservation will each get two free checked bags on United-operated flights.
Hertz Gold Plus Rewards
Cardholders are eligible to enroll in Hertz Gold Plus Rewards President’s Circle. This perk comes with guaranteed car rental upgrades, a 50 percent bonus on Hertz Gold Plus Rewards and other exclusive car rental offers.
Premier hotel and entertainment upgrades
Your United Club Infinite Card comes with multiple premier upgrades that give you access to things like:
- The Chase United card member luxury hotel and resort collection.
- Special United Card events from Chase like celebrity meet-and-greets, private culinary exhibits and sporting events.
- United MileagePlus events like Broadway shows, concerts and theater showings.
Travel coverage and purchase protections
The Infinite card also comes with travel-specific coverage:
- Trip cancellation/interruption insurance.
- Baggage delay insurance.
- Lost luggage reimbursement.
- Trip delay reimbursement.
- Visa concierge service.
- Auto rental collision damage waiver.
- Purchase protection.
- Return protection.
- Extended warranty.
Rates and fees
The United Club Infinite Card has a high annual fee of $525. It doesn’t charge foreign transaction fees. The current variable APR is 16.49 percent to 23.49 percent.
How the United Club Infinite Card compares to other airline/travel cards
If you’re a frequent traveler who likes premium perks and always flies United, this card might be a good option for you. If you aren’t loyal to United, a premium travel card like the Chase Sapphire Reserve or The Platinum Card® from American Express might be a better option for you because they’ll have more flexible redemption options.
Best cards to pair with the United Club Infinite card
To maximize your rewards earnings, consider pairing a complementary low-cost rewards card with the Club Infinite card. For example, a no-annual-fee cash-back card that offers rewards in one of your biggest spending categories—such as grocery or gas station purchases—could be a great fit.
One popular card is the Citi® Double Cash Card which earns a flat cash-back rate of up to 2 percent back on all purchases (1 percent when you buy and 1 percent as you pay of purchases).
Bankrate’s Take—Is the United Club Infinite card worth it?
If you’re looking to save money while you earn rewards for future travel, the Club Infinite card could make sense due to its welcome offer. Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Because this is a premium Chase card, the United Club Infinite Card credit score required to qualify is very good to excellent. If you have less-than-perfect credit, check out Bankrate’s list of credit cards for good credit or fair/average credit instead. Loyal United Airlines travelers and United MileagePlus members should also visit Bankrate’s list of the best United credit cards for other United Airlines card options.
The information about the United Club℠ Infinite Card and Citi Prestige® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.